" This is a no-brainer, but it's something that many travelers don't think to do. If you missed the cancellation window for your hotel, restaurant, or car booking but can still change the reservation date free of charge, move your reservation back by several weeks or months," she writes. "Then call back to cancel with a different representative. Sneaky? Sure. But it works, and you'll never get stuck with a lousy cancellation fee again."

Unless the customer service agent digs through your reservation history to check whether you've changed before (OpenTable is notorious for this), you'll be in the clear.

Canceling flights without getting slapped by a fee is much trickier. Your best bet is to either purchase trip insurance (covers death, illness, or cancellations due to weather), or pay with a credit card that comes with built-in trip protection. Be sure to review your policy.